If you keep Rs 20 lakh in a savings account at any conventional bank in Pakistan, you now earn about Rs 17,500 a month before tax, at the State Bank’s minimum rate of 10.50% from 1 November 2026. A filer keeps Rs 14,000 a month after 20% tax and a non-filer Rs 10,500. The best monthly-profit bank deposits pay a little more, up to about Rs 18,333 a month, and National Savings’ Regular Income Certificate pays Rs 20,200.
Last updated: 11 November 2026 by Ahmed. Bank rates are from each bank’s November 2026 rate sheet (Islamic banks: rates declared for October 2026). National Savings rates effective 21 October 2026.
For other amounts, see bank profit rates in Pakistan or enter your own figure in the Bank Profit Calculator.
20 Lakh Profit in Bank per Month: All Banks Compared
| Bank | Account | Yearly rate | Monthly profit on Rs 20 lakh | Filer (after 20% tax) |
|---|---|---|---|---|
| HabibMetro | Mahana Scheme, 1 year (monthly) | 11.00% | Rs 18,333 | Rs 14,667 |
| Bank Al Habib | Mahana Munafa, 1 year (monthly) | 10.75% | Rs 17,917 | Rs 14,333 |
| Soneri Bank | Monthly Munafa, 1 year | 10.75% | Rs 17,917 | Rs 14,333 |
| JS Bank | 1-year term deposit, monthly profit | 10.62% | Rs 17,700 | Rs 14,160 |
| Soneri Bank | Roshan Savings Account | 10.60% | Rs 17,667 | Rs 14,133 |
| HBL | Mahana Amdan savings | 10.50% | Rs 17,500 | Rs 14,000 |
| MCB | PLS Savings | 10.50% | Rs 17,500 | Rs 14,000 |
| Allied Bank | PLS Savings | 10.50% | Rs 17,500 | Rs 14,000 |
| UBL | UBL Savings | 10.50% | Rs 17,500 | Rs 14,000 |
| NBP | Savings account | 10.50% | Rs 17,500 | Rs 14,000 |
| Bank of Punjab | Behtareen Munafa (monthly) | 10.50% | Rs 17,500 | Rs 14,000 |
| HBL | Advantage 1 year, monthly profit | 10.20% | Rs 17,000 | Rs 13,600 |
| Allied Bank | Behtar Munafa 1 year, monthly profit | 10.00% | Rs 16,667 | Rs 13,333 |
| MCB | 1-year term deposit, monthly profit | 7.45% | Rs 12,417 | Rs 9,933 |
Before-tax profit = Rs 20 lakh × yearly rate ÷ 12. Bank rates November 2026; HabibMetro rate from its September 2026 sheet, the latest it had published.
Every conventional bank must pay individuals at least 10.50% on savings up to Rs 1 crore after the State Bank raised the policy rate to 12% on 27 October 2026. So on an ordinary savings account, Rs 20 lakh earns about the same at HBL, MCB, UBL, Allied, NBP or Bank of Punjab. The differences show up in monthly-profit term deposits, where HabibMetro, Bank Al Habib, Soneri and JS Bank pay more, while MCB pays much less.
20 Lakh Profit After Tax: Filer vs Non-Filer
At the standard 10.50% savings rate:
| Filer (20% tax) | Non-filer (40% tax) | |
|---|---|---|
| Monthly profit before tax | Rs 17,500 | Rs 17,500 |
| Tax deducted per month | Rs 3,500 | Rs 7,000 |
| Monthly profit you keep | Rs 14,000 | Rs 10,500 |
| Yearly profit you keep | Rs 1,68,000 | Rs 1,26,000 |
A non-filer loses Rs 42,000 more a year on Rs 20 lakh than a filer. If you are not on FBR’s Active Taxpayers List, see how to become a filer.
20 Lakh Profit in Islamic Banks
Islamic banks are not bound by the 10.50% minimum. They declare profit after each month ends, so their rates are lower and change every month:
| Bank | Account | Yearly rate | Monthly profit on Rs 20 lakh | Filer (after 20% tax) |
|---|---|---|---|---|
| Meezan Bank | COII 1.5 years (Oct 2026) | 10.12% | Rs 16,867 | Rs 13,493 |
| Meezan Bank | Aamdan Certificate (Oct 2026) | 9.18% | Rs 15,300 | Rs 12,240 |
| BankIslami | 1-year term deposit, monthly (Oct 2026) | 8.51% | Rs 14,183 | Rs 11,347 |
| BankIslami | Islami Bachat savings (Oct 2026) | 6.91% | Rs 11,517 | Rs 9,213 |
| Meezan Bank | Rupee Saving Account (Oct 2026) | 6.79% | Rs 11,317 | Rs 9,053 |
| Dubai Islamic Bank | Savings (Oct 2026) | 6.35% | Rs 10,583 | Rs 8,467 |
| Al Baraka Bank | Savings (Oct 2026) | 6.00% | Rs 10,000 | Rs 8,000 |
Rates declared by each bank for October 2026.
20 Lakh in National Savings vs Bank
| National Savings (Qomi Bachat) scheme | Yearly rate | Monthly profit on Rs 20 lakh (before tax) |
|---|---|---|
| Behbood Savings Certificate (widows, seniors, disabled) | 12.96% | Rs 21,600 |
| Regular Income Certificate | 12.12% | Rs 20,200 |
| Sarwa Islamic Savings Account | 11.84% | Rs 19,733 |
| National Savings Account | 10.00% | Rs 16,667 |
CDNS rates effective 21 October 2026. Tax is also deducted from National Savings profit. Behbood is only for eligible investors.
On Rs 20 lakh, the Regular Income Certificate pays about Rs 2,700 a month more than a bank savings account, but your money is locked and early encashment reduces the profit. For a Shariah-compliant option, the Sarwa Islamic Savings Account pays far more than any Islamic bank.
Rs 20 Lakh for One Year: Profit at Maturity
If you do not need monthly income, some 1-year deposits pay more when you take all the profit at the end:
| Option | Yearly rate | Profit after 1 year (before tax) | Filer (after 20% tax) |
|---|---|---|---|
| HabibMetro 1-year term deposit (Sept 2026 sheet) | 11.50% | Rs 2,30,000 | Rs 1,84,000 |
| JS Bank 1-year term deposit | 11.32% | Rs 2,26,400 | Rs 1,81,120 |
| Bank Al Habib Salana Munafa | 11.00% | Rs 2,20,000 | Rs 1,76,000 |
| Soneri Salana Amdani Account | 11.00% | Rs 2,20,000 | Rs 1,76,000 |
| Bank of Punjab 1-year term deposit | 10.25% | Rs 2,05,000 | Rs 1,64,000 |
| Savings account (no lock-in) | 10.50% | Rs 2,10,000 | Rs 1,68,000 |
Bank rates November 2026 (HabibMetro: September 2026 sheet).
How to Earn More on Rs 20 Lakh
- Use a monthly-profit account if you need income. PLS savings accounts at HBL, BOP and others pay only twice a year; Mahana Amdan, Behtareen Munafa and similar accounts pay monthly.
- Compare term deposits carefully. A 1-year deposit at MCB (7.45%) pays less than any savings account, while HabibMetro or Bank Al Habib pay more.
- Become a filer. It saves you Rs 42,000 a year on Rs 20 lakh.
- Spread large amounts across banks. Deposits are protected by the Deposit Protection Corporation only up to Rs 10 lakh per depositor per bank, so keeping 20 lakh in two or more banks gives more protection at the same rate.
- Check rates every month. Bank rates follow the State Bank policy rate, and Islamic bank rates are declared monthly.
Compare with National Savings: the same Rs 20 lakh in a National Savings scheme can pay more each month (tax 15% for filers, 30% for non-filers). See Rs 20 lakh profit in National Savings, the latest National Savings profit rates, or calculate your own amount on the bank profit calculator.
20 Lakh Profit in Bank: FAQs
How much profit on 20 lakh in a bank per month in Pakistan?
About Rs 17,500 a month before tax at the 10.50% minimum savings rate from 1 November 2026. A filer keeps Rs 14,000 and a non-filer Rs 10,500.
Which bank gives the highest profit on 20 lakh?
For monthly profit, the HabibMetro Mahana Scheme (11.00%, about Rs 18,333 a month) and the Bank Al Habib Mahana Munafa and Soneri Monthly Munafa accounts (10.75%, about Rs 17,917 a month) paid the most among the banks we compared.
How much profit on 20 lakh in Meezan Bank?
About Rs 11,317 a month in the Meezan savings account at the October 2026 rate of 6.79%, or Rs 15,300 a month in the Aamdan Certificate at 9.18%, before tax.
Is National Savings better than a bank for 20 lakh?
National Savings pays more: the Regular Income Certificate pays about Rs 20,200 a month on Rs 20 lakh, against Rs 17,500 in a bank savings account. But the money is locked and early encashment cuts the profit.
Bank mein 20 lakh par mahana kitna munafa milta hai?
1 November 2026 se conventional bank ke saving account mein Rs 20 lakh par taqreeban Rs 17,500 mahana munafa milta hai (10.50% salana). Filer ko tax ke baad Rs 14,000 aur non-filer ko Rs 10,500 milte hain.
20 lakh par sab se zyada munafa kahan milta hai?
Banks mein HabibMetro Mahana Scheme (11%) aur Bank Al Habib / Soneri ke 1 saal ke monthly accounts (10.75%) sab se zyada dete hain. Qomi Bachat ka Regular Income Certificate (12.12%) is se bhi zyada deta hai.
This guide is for general information only and is not financial or tax advice. Rates change often, so confirm the latest figures with your bank or CDNS before you invest.
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- HabibMetro profit rates
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